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Personal Integrated Account1 Clean Credit

Make the most of a credit facility that gives you extra cash on-demand – whenever you need it most – to enjoy the financial freedom of increased spending and investing power.

  • Repay as little as 5% on the outstanding debit balance, or HKD100, whichever is higher
  • Benefit from HSBC's Best Lending Rate + 6% p.a.
  • No interest to pay on unused credit

More about Personal Integrated Account

Borrow up to


or 4 times your monthly salary, whichever is lower

Call for enquiry

Personal Integrated Account1 Customers
(852) 2233 3000 (852) 2233 3000

Download a form to apply

  Clean Credit Application / Amendment / Cancellation       Form (Integrated Account) [PDF]Opens in a new Window.


-The interest will be debited from the account on the 28th of each month. If the date falls on Sunday or public holiday, interest will be debited on the preceding working day.

HSBC Premier Clean Credit

Access to credit whenever you need it, with preferential interest rates for added flexibility. Just for HSBC Premier account holders.

HSBC Advance Clean Credit

Get extra spending power, together with increased flexibility in managing your money. Just for HSBC Advance account holders.

Personal Overdraft

Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it.

Secured Credit

Get higher credit limits when you secure a credit line against your assets.

Contact Us

By phone

HSBC Premier customers call
(852) 2233 3322 (852) 2233 3322

HSBC Advance customers call
(852) 2748 8333 (852) 2748 8333

Other customers call
(852) 2233 3000 (852) 2233 3000

At an HSBC branch

Find your nearest branch

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To borrow or not to borrow?
Borrow only if you can repay!


What is the difference between a loan and an overdraft?

A loan is when you borrow a fixed amount of money for a fixed period of time. This is usually cheaper than an overdraft. If you have a regular, predictable income then a loan is often the recommended option.

If you don't know exactly how much you need to borrow or when you'll need it, an overdraft may be a better option. This allows you to borrow up to a certain amount without notice, and to make flexible repayments rather than being tied into a definite repayment schedule.

Overdrafts usually have a higher rate of interest than loans, but the cost can sometimes be reduced if they are secured against other assets such as property or cash deposits.


How should I choose a lender?

The APR should not be your only consideration when choosing a bank for your loan. Other things to consider include:

  • the reputation of the bank
  • convenience – are you able to manage your loan in a branch, online, or on the phone? What are the bank’s opening hours?
  • other services available to customers


What other costs are involved in borrowing money?

The cost of a loan is calculated by means of an annualised percentage rate (APR), which takes into account the interest rate plus any extra fees or charges to be paid.
Common extra costs include:

  • Service fee
    This is a fee (usually annual) charged by a bank for handling the loan.
  • Unauthorised overdraft
    Exceeding your overdraft limit costs you money and the bank will charge you directly.
  • Special administration fee
    For some loans, if you need the money urgently, the bank will make it available within a short period and will charge the relevant fee for doing so.
  • Interest on overdue repayments
    If you fall behind on your loan repayments, you will be charged interest on the amount overdue, either at a fixed rate or at the prevailing rate. This is charged on a daily basis, so it is wise to keep up the repayments.
  • Application fees
    Some loans require a fee for the application, which is a one-time payment at the beginning of the repayment period.
  • Early repayment fees
    In some cases, if you wish to repay a fixed loan earlier than the agreed term, you will have to pay an extra fee to compensate for the interest lost by the bank.



  • You must be a resident of Hong Kong
  • At least 18 years old
  • Have a monthly income of at least HKD5,000

Note Select to Expand Select to Collapse

1 "Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, Personal Internet Banking platform etc.

2 A nominal monthly fee of HKD50 x utilised percentage of credit limit for the last month will be charged.

Please note that we do not appoint any third parties to refer Clean Credit applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at 2233 3000.